Does Insurance Cover Roofing Hail Damage?

Hailstorms are becoming increasingly frequent, leaving a huge number of roofs devastated and homeowners desperate. When faced with extensive roof damage after a hailstorm, most homeowners start looking for help and working on their insurance claim file, just to be told that their insurance does not cover for hail damage – here are a few things that you should know about how to handle hail damage.

Whether your insurance covers for hail damage depends on many factors. If you live in an area that is frequently hit by hailstorms, check your policy – many insurers choose to exclude hail damage from their standard policies in hail-prone areas. However, that does not mean that you cannot buy home insurance that covers hail damage, too – many insurers offer policies that include hail damage, too, but these policies usually come for a higher premium and if your roof suffers hail damage, you will be required to pay a higher deductible, too. You can also ask your insurer or your insurance broker whether you have the option to buy a separate policy that covers only for hail damage – that way, you will have a policy just for hail damage as well as a standard policy to cover for multiple other forms of damage.